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But what if you actually need your money sooner?

Submitted by Jonathan Ploudre on July 17, 2007 - 19:49.

I have to say that if you like the security of a treasury bill, I'd suggest a T-bill based mutual fund like at Vanguard. There is a small expense fee but you get complete liquidity of your money. So if you actually need the money for a big emergency, you can get to all of it. Worse case scenario for above, you'd have to wait 12 and 25 weeks to get the second half of your money.

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